Gemini, the cryptocurrency exchange helmed by the Winklevoss twins, is shaking up the crypto card market with a fresh offering aimed squarely at XRP enthusiasts. Announced today, August 26, 2025, the exchange has unveiled a novel XRP edition of its credit card, crafted in collaboration with Ripple. This move is a bold bid to galvanize the fervent XRP community—often dubbed the “XRP Army”—by offering them a rewarding avenue for everyday spending.
A New Frontier for Crypto Rewards
The XRP credit card, issued through WebBank, mirrors the cashback model of other Gemini cards but dials up the appeal with crypto incentives. Users can pocket up to 4% back in XRP on purchases like fuel, EV charging, and rideshares. Dining, grocery, and other transactions are also covered, albeit at slightly lower rates. The real kicker? Select merchants are partnering with Gemini to offer up to 10% back on eligible buys, a tantalizing prospect for crypto aficionados. As explored in XRP Slides 3% Even as Gemini-Ripple Credit Card Adds Utility Narrative, the introduction of this card adds a new dimension to XRP’s utility.
Tyler Winklevoss, co-founder and CEO of Gemini, exuded enthusiasm about the launch. “We’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement,” he stated, pointing to the card’s potential to weave crypto into the fabric of everyday life.
Expanding Ripple USD’s Reach
But that’s not all. Gemini is casting a wider net with Ripple USD (RLUSD), Ripple’s $680 million stablecoin, now a staple across all spot trading pairs for U.S. users. This development is poised to streamline trading operations, allowing investors to pivot between RLUSD and other assets sans additional conversion hassle.
Ripple CEO Brad Garlinghouse chimed in on this strategic expansion. “Fifty-five million Americans own crypto, and that number is only increasing,” he noted, underscoring the growing appetite for seamless crypto integration in daily transactions. With this partnership, Ripple and Gemini are transforming everyday spending into an opportunity to engage with both XRP and RLUSD.
The Road Ahead for Gemini
This latest venture comes amid a flurry of activity for Gemini. The company has been aggressively expanding its offerings, setting the stage for its planned U.S. IPO. Just two months ago, in June 2025, Gemini began offering trading with tokenized U.S. stocks—a move that underscored its ambition to blur the lines between traditional finance and the crypto world. And in a bid to extend its reach, the firm secured a MiCA license in Malta last week, strengthening its foothold in the European market.
Financially, the road hasn’t been entirely smooth. Gemini’s IPO paperwork revealed a hefty $282 million net loss in the first half of the year, alongside a $75 million credit facility from Ripple. Despite these challenges, the firm remains undeterred, pushing forward with its plans to offer more to its growing customer base.
A New Era for Crypto Integration?
So, what does all this mean for the crypto community at large? For one, it signals a tantalizing shift toward greater crypto integration in day-to-day life. The XRP credit card isn’t just a product; it’s a statement of intent from Gemini and Ripple to embed cryptocurrency into the mainstream fabric. Yet, questions linger about the sustainability of this trend. Will the allure of rewards be enough to sway a broader audience, or is this a niche play for the already converted? For context on XRP’s market movements, see XRP Back at $3 Following Ripple’s SEC Win, Market Eyes Next Move.
As Gemini and Ripple forge ahead, the crypto world watches with bated breath. The stakes are high, and the potential is vast. But only time will tell if this latest innovation will spark a new chapter in the ongoing saga of cryptocurrency adoption.
Source
This article is based on: Gemini Targets XRP Army With New Credit Card, Expands Ripple USD Use for U.S. Customers
Further Reading
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- Ripple and SBI to Launch RLUSD Stablecoin in Japan by Early 2026
Steve Gregory is a lawyer in the United States who specializes in licensing for cryptocurrency companies and products. Steve began his career as an attorney in 2015 but made the switch to working in cryptocurrency full time shortly after joining the original team at Gemini Trust Company, an early cryptocurrency exchange based in New York City. Steve then joined CEX.io and was able to launch their regulated US-based cryptocurrency. Steve then went on to become the CEO at currency.com when he ran for four years and was able to lead currency.com to being fully acquired in 2025.
